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Home Insurance 101

Confused by homeowners insurance? We get it — homeowners insurance can be confusing if you’re considering a new home. That’s why Cushman Insurance is here to help! Understanding the importance of homeowners insurance will better protect you in the case of future mishaps and give you peace of mind knowing that you are protected.

What Is A Homeowners Policy?

Homeowners insurance is exactly how it sounds: insurance for your house. More specifically, homeowners insurance protects you financially if your house experiences damage or disaster. Imagine that you move into a beautiful new home. After a few weeks or months of living there, a pipe breaks and floods your bathroom, or perhaps a fire occurs. Homeowners insurance can help by protecting you from the financial loss you’d experience due to damages, including repair and replacement costs. Consider homeowners insurance as a safeguard — it’s there in case you need it.

It’s also important to remember that a homeowners’ policy protects more than just a home - it can also protect a condo or a rental unit.

Why Do You Need Homeowners Insurance?

There are many financial benefits to having homeowners insurance. Repairing your home out of pocket will cost you far more than repairing it through insurance. Remember, homeowners insurance can save you money, time, and stress. Knowing you are protected in the event of a disaster is essential.

Homeowners Insurance not only protects your home but also protects you with liability in the unfortunate event someone is injured on your property.

Who Should Purchase a Homeowners Policy?

Anyone who lives in a home should consider purchasing homeowners insurance. In some cases, proof of insurance is required by law. They are also oftentimes required by banks for mortgages. This is because the bank wants to be confident that your home, which is also their investment, is protected in the event of damage.

How Does Homeowners Insurance Work?

An agent will determine the plan that best suits you and your home’s needs. Agents will evaluate and take into consideration many factors. For example, they will examine the characteristics, location, setting, and age of the structure. Based on your current lifestyle and type of residence, they will suggest the type of coverage.

How Do I Purchase Homeowners Insurance?

We recommend starting by doing research and talking to one of our experienced agents. Cushman Insurance Group has been working for nearly 100 years in the field. We will be glad to answer your questions and determine a coverage plan that best suits you and your home.

When Should I Purchase Homeowners Insurance?

If your home qualifies for homeowners insurance, then the time is now. Don’t wait until it’s too late and you’re facing repairs or replacement bills. At Cushman Insurance Group our goal is to help you Live More and Worry Less.

Cushman Insurance has the expertise to provide you with the best insurance for your home. If homeowners insurance is something that interests you, partner with a local insurance agent. We take the time to get to know you and deliver the protection you need! Contact Cushman Insurance today.



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